The Internet has changed the way we communicate and travel. Talking on the telephone is usually a two-way conversation. The Internet has allowed for group communiciation with blogs, online videogames such as World of Warcraft, instant messaging and chat rooms. People who share common hobbies can now communicate remotely. We can also use webcams to chat with each other. For example, grandchildren and grandparents who live far away from each other can see each other through Skype and iChat. Communicating has also become less personal and more instant. It is sad to say some people speak on the telephone less frequently or talk in person because we have email and instant messaging. The Internet has also helped with travel. People can make reservations at a hotel or buy tickets online. They can also save money by booking their vacation themselves using the internet instead of using a travel agent. People are able to see a hotel or destination online with a virtual tour of places they want to visit. Instead they can see what the place looks like and what features they have, such as a spa. In conclusion, the Internet changed the way we communicate and travel.
Climate and Terrain of West Africa
West Africa’s land regions consisted of three main terrains. The first land region is called the sahel. The sahel is a strip of dry grasslands on the southern border of the Sahara Desert. It sometimes is called “the shore of the desert” and has scattered vegetation. The second land region is called the savanna. The savanna is a grassland area south of the sahel. The rainforest is the third land region in West Africa. The rainforest is located along the Niger River, has heavy rainfall, and a tropical climate, with fertile land and lush vegetation. West Africa had three land regions that include the sahel, the savanna, and the rainforest each with its own climate terrain.
Nok Iron
The knowledge of iron making has benefited the Noks throughout their culture. Weapons were the first major way iron benefited Nok culture. Iron was much stronger than stone, and would not break in battle. Iron can also be shaped. In addition iron was a utilitarian product for agricultural use. Manufactured agricultural tools would not wear out during their use. Manufactured iron products can be used for trade as well. The Noks could have traded iron for items such as gold and salt. The Noks iron making knowledge benefited them in three major ways, weapons, tools, and trade.
Don’t Put All Your Eggs In One Basket
“Don’t put all of your eggs in one basket because if it drops your eggs are gone.” What this expression means is if you invest all of your money in one stock, for example Google, if Google falls in value so does the value of your investments. The most feared thing in the stock market is your stock tanking and losing all of your money. Stocks are not the only place to invest. Stocks are just one of the asset classes. Two others are mutual funds and bonds. A mutual fund is a managed type of collective investment that takes money from many investors and invests it in stocks, bonds, short-term money markets, and other securities. These are safer than investing in individual stocks because they are more diversified. Bonds are a type of loan issued by a company that people buy at a fixed price and are paid interest over the life of the bond.
One way to invest is called diversification, which consists of a variety of different investments in a portfolio. Mutual funds are a good way to diversify your investments because they balance your money by allocating it in stocks and bonds. A good mutual fund is one that sells household items and medications because every day people need to buy those items. If you bought a mutual fund that consisted of Microsoft and Dell, and Dell went down and Microsoft went up you would not lose a lot of money because your investment would be balanced.
Stocks are a way to be more aggressive when investing. Younger people have more time to invest and take risks with the stocks. Young investors should invest more in stocks than anything else. Even though stocks are not a great way to diversify they are sometimes good if you have time to watch your money grow. You want to have many individual stocks as well as mutual funds in your financial portfolio. As long as the stock does no t drop when you invested a lot of money in it, investing in stocks is fine for younger people.
Your goal for investments is to be safe with your money. You should ask yourself “What do I want my investment to do for me?” If you do not want to buy something right away you would use a time frame. A question you might find yourself unsure about is “Is there something I want to buy in a couple of months? Or do I have a goal – like going to college.” That might be even longer such as couple of years away. Most investors are worried about taking too many risks with investments. If you are older and want to protect the money you already have, it is best not take this risk. Instead, you could invest in bonds, which are a certificate of debt that is usually financed by the government at a low interest rate. This is safer than investing in stocks or mutual funds, but typically has the lowest yield of interest. This would be a better idea. Once you have answered these questions, take time to see different kinds of investments that might make you money.
A stock that would be smart to invest in is IBM. IBM stands for International Business Machines Corporation. It is headquartered in Armonk, New York. The company is one of the few information technology companies with a long history. IBM manufactures and sells computer hardware and software. It has been known by recent history as the world's largest computer company. IBM is the largest and most profitable information technology employer in the world.
A mutual fund that I would invest in is Fidelity. Fidelity is the largest mutual fund company and Forbes magazine chose 21 Fidelity funds for its list of "Best Buys” in its Mutual Fund Survey in 2008. At one time Fidelity owned the most shares of Google. As Google’s success has grown and the value of its share has increased over the years, if you have invested in Fidelity, you would see your portfolio grow. Both stocks and mutual funds are a great way to diversify your portfolio.
Works Cited
Dickneider, Bill. “In and Out of Bonds,” Stock Talk. March 12, 2007: Vol. 20, No. 1.
Dickneider, Bill. “Fund Seeker,” Stock Talk. September 27, 2004: Vol. 15, No. 1.
Dickneider, Bill. “Funds With Style,” Stock Talk. March 14, 2005: Vol. 16, No. 2.
Dickneider, Bill. “Return of the Fund,” In the News. February 28, 2005: Vol. 28, No. 2.
Dickneider, Bill. “Stockpot,” In the News. October 11, 2004: Vol. 27, No. 2.
“What is Bond?,” Foundation for Investor Education, 2007.
“What is Diversification?,” Foundation for Investor Education, 2006.
The Impact of the Internet
The Internet has changed the way we communicate and travel. Talking on the telephone is usually a two-way conversation. The Internet has allowed for group communiciation with blogs, online videogames such as World of Warcraft, instant messaging and chat rooms. People who share common hobbies can now communicate remotely. We can also use webcams to chat with each other. For example, grandchildren and grandparents who live far away from each other can see each other through Skype and iChat. Communicating has also become less personal and more instant. It is sad to say some people speak on the telephone less frequently or talk in person because we have email and instant messaging. The Internet has also helped with travel. People can make reservations at a hotel or buy tickets online. They can also save money by booking their vacation themselves using the internet instead of using a travel agent. People are able to see a hotel or destination online with a virtual tour of places they want to visit. Instead they can see what the place looks like and what features they have, such as a spa. In conclusion, the Internet changed the way we communicate and travel.Climate and Terrain of West Africa
West Africa’s land regions consisted of three main terrains. The first land region is called the sahel. The sahel is a strip of dry grasslands on the southern border of the Sahara Desert. It sometimes is called “the shore of the desert” and has scattered vegetation. The second land region is called the savanna. The savanna is a grassland area south of the sahel. The rainforest is the third land region in West Africa. The rainforest is located along the Niger River, has heavy rainfall, and a tropical climate, with fertile land and lush vegetation. West Africa had three land regions that include the sahel, the savanna, and the rainforest each with its own climate terrain.Nok Iron
The knowledge of iron making has benefited the Noks throughout their culture. Weapons were the first major way iron benefited Nok culture. Iron was much stronger than stone, and would not break in battle. Iron can also be shaped. In addition iron was a utilitarian product for agricultural use. Manufactured agricultural tools would not wear out during their use. Manufactured iron products can be used for trade as well. The Noks could have traded iron for items such as gold and salt. The Noks iron making knowledge benefited them in three major ways, weapons, tools, and trade.Don’t Put All Your Eggs In One Basket
“Don’t put all of your eggs in one basket because if it drops your eggs are gone.” What this expression means is if you invest all of your money in one stock, for example Google, if Google falls in value so does the value of your investments. The most feared thing in the stock market is your stock tanking and losing all of your money. Stocks are not the only place to invest. Stocks are just one of the asset classes. Two others are mutual funds and bonds. A mutual fund is a managed type of collective investment that takes money from many investors and invests it in stocks, bonds, short-term money markets, and other securities. These are safer than investing in individual stocks because they are more diversified. Bonds are a type of loan issued by a company that people buy at a fixed price and are paid interest over the life of the bond.One way to invest is called diversification, which consists of a variety of different investments in a portfolio. Mutual funds are a good way to diversify your investments because they balance your money by allocating it in stocks and bonds. A good mutual fund is one that sells household items and medications because every day people need to buy those items. If you bought a mutual fund that consisted of Microsoft and Dell, and Dell went down and Microsoft went up you would not lose a lot of money because your investment would be balanced.
Stocks are a way to be more aggressive when investing. Younger people have more time to invest and take risks with the stocks. Young investors should invest more in stocks than anything else. Even though stocks are not a great way to diversify they are sometimes good if you have time to watch your money grow. You want to have many individual stocks as well as mutual funds in your financial portfolio. As long as the stock does no t drop when you invested a lot of money in it, investing in stocks is fine for younger people.
Your goal for investments is to be safe with your money. You should ask yourself “What do I want my investment to do for me?” If you do not want to buy something right away you would use a time frame. A question you might find yourself unsure about is “Is there something I want to buy in a couple of months? Or do I have a goal – like going to college.” That might be even longer such as couple of years away. Most investors are worried about taking too many risks with investments. If you are older and want to protect the money you already have, it is best not take this risk. Instead, you could invest in bonds, which are a certificate of debt that is usually financed by the government at a low interest rate. This is safer than investing in stocks or mutual funds, but typically has the lowest yield of interest. This would be a better idea. Once you have answered these questions, take time to see different kinds of investments that might make you money.
A stock that would be smart to invest in is IBM. IBM stands for International Business Machines Corporation. It is headquartered in Armonk, New York. The company is one of the few information technology companies with a long history. IBM manufactures and sells computer hardware and software. It has been known by recent history as the world's largest computer company. IBM is the largest and most profitable information technology employer in the world.
A mutual fund that I would invest in is Fidelity. Fidelity is the largest mutual fund company and Forbes magazine chose 21 Fidelity funds for its list of "Best Buys” in its Mutual Fund Survey in 2008. At one time Fidelity owned the most shares of Google. As Google’s success has grown and the value of its share has increased over the years, if you have invested in Fidelity, you would see your portfolio grow. Both stocks and mutual funds are a great way to diversify your portfolio.
Works Cited
Dickneider, Bill. “In and Out of Bonds,” Stock Talk. March 12, 2007: Vol. 20, No. 1.
Dickneider, Bill. “Fund Seeker,” Stock Talk. September 27, 2004: Vol. 15, No. 1.
Dickneider, Bill. “Funds With Style,” Stock Talk. March 14, 2005: Vol. 16, No. 2.
Dickneider, Bill. “Return of the Fund,” In the News. February 28, 2005: Vol. 28, No. 2.
Dickneider, Bill. “Stockpot,” In the News. October 11, 2004: Vol. 27, No. 2.
“What is Bond?,” Foundation for Investor Education, 2007.
“What is Diversification?,” Foundation for Investor Education, 2006.